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Taylor, MI has been under severe weather warnings 38 times in the past 12 months. Doppler radar has detected hail near Taylor on 27 occasions, which can lead to significant property damage.
Implications for Mobile Home and RV Insurance:
Hail can cause extensive damage to the exterior of mobile homes and RVs, including dents, broken windows, and damaged roofs. Mobile homes, in particular, might face complications like weakened structural integrity due to hail impact. This can increase the repair costs and even lead to potential replacements.
For insurance providers, this increased risk might lead to:
Taylor’s tornado index is notably higher than both the Michigan and U.S. averages. Tornadoes are destructive forces that can cause total loss of properties in their path.
Implications for Mobile Home and RV Insurance:
Mobile homes and RVs are particularly vulnerable to tornadoes due to their lightweight construction and lack of a permanent foundation. A tornado can easily overturn or completely destroy these structures.
For insurance providers, this tornado risk can lead to:
The Taylor area has witnessed a variety of weather extremes, including floods, heavy snow, ice storms, and thunderstorm winds. Such events have been recorded multiple times in the vicinity.
Implications for Mobile Home and RV Insurance:
These varied weather events can pose multiple threats to mobile homes and RVs. For instance, floods can lead to water damage, while heavy snow and ice storms can strain and damage roofs.
For insurance providers, implications can include:
Insurance providers often consider the age and overall condition of the manufactured home when determining rates and coverage eligibility. Make sure to keep your home well-maintained, and be aware that older homes might have higher premiums or certain coverage restrictions.
Research the claims process of the insurance companies you are considering. Look for responsive and reliable customer service, as well as an efficient claims process, to ensure a smooth experience if you need to file a claim.
Review the policy limits to ensure they provide adequate coverage for your mobile home and belongings. Calculate the value of your home and property to determine appropriate coverage limits.
Compare the premium costs from different insurance providers to find a policy that aligns with your budget. Remember to balance the cost with the coverage provided.
Each state, county, town or city has their own set of several laws and regulations that govern the placement and construction of manufactured homes. It is important to work with an insurance provider who is familiar with these laws and can offer you the right coverage accordingly.
It's essential to select an insurance provider with a solid reputation in the industry. Research the company thoroughly, and look for reviews and testimonials from other mobile, manufactured or prefab homeowners in your area.
Travel trailers, camping trailers, and
motor homes are typically insured under automobile, recreational vehicle, or special
policies.
The Michigan Department of Insurance and Financial Services (DIFS) plays a crucial role in assisting and protecting consumers in Michigan when it comes to insurance and financial services matters. As a dedicated regulatory body, DIFS provides valuable consumer information and actively investigates complaints filed against insurance providers and financial service entities. Moreover, DIFS offers support to consumers in resolving disputes related to insurance and financial services.
Address: 16031 Beech Daly Road, Lot #1, Taylor, MI 48180
Phone: (734) 941-6020
Availability: 3 homes available
Description: Wellington Estates is a manufactured home community in Taylor, Michigan, featuring three reflecting ponds, picnic and recreation areas, and natural woodlands. It offers affordable living options with a variety of high-quality manufactured homes. The community is conveniently located near shopping centers, Heritage Park, and the Lakes of Taylor Golf Club.
Address: 7550 Beech Daly Road, Taylor, MI 48180
Phone: (313) 295-4520
Availability: 3 homes available
Description: Robbinwood Villa is a neighborhood in Taylor, Michigan, known for its easy access to highways, proximity to shopping and services, and a wide selection of affordable new and pre-owned manufactured homes. The community features well-maintained homes, landscaped common areas, and a sense of community where neighbors know each other.
Address: 17707 S. Telegraph Road, Brownstown, MI 48174
Phone: (734) 285-2288
Availability: 4 homes available
Description: Tela Valley is a tranquil and welcoming manufactured home community located in Brownstown, Michigan. It offers contemporary and thoughtfully designed manufactured homes suitable for various lifestyles. The community provides amenities such as a picnic area, playground, and basketball court. Brownstown offers a mix of small-town charm and modern amenities, making it an ideal place to call home.
Finding the Best Mobile Home Insurance in Taylor, MI
References:
CoverTree operates in CA as MHTree Insurance Services
CA license # 6009070
CoverTree Inc. (CoverTree) is a Program Administrator for CoverTree’s Manufactured Home Program, underwritten by Markel American Insurance Company (Markel), located at 4521 Highwoods Parkway, Glen Allen, VA 23060. CoverTree is acting as the agent of Markel in selling insurance policies. CoverTree receives compensation based on the premiums for the insurance policies sold. Further information is available upon request. Subject to underwriting guidelines, review, and approval. Use of Covertree is subject to our Terms of Use, Privacy Policy, and Licenses.
Products and discounts not available to all persons in all states. All decisions regarding any insurance products, including approval for coverage, premium, commissions and fees, will be made solely by the insurer underwriting the insurance under the insurer’s then-current criteria. All insurance products are governed by the terms, conditions, limitations and exclusions set forth in the applicable insurance policy. Please see a copy of your policy for the full terms, conditions and exclusions. Any information on the Site does not in any way alter, supplement, or amend the terms, conditions, limitations, or exclusions of the applicable insurance policy and is intended only as a brief summary of such insurance products. Policy obligations are the sole responsibility of the issuing insurance carrier.
Rating as of March 1, 2022. AM Best ratings are under continuous review and subject to change. Please refer to Markel’s website for the most current information. The rating represents the overall financial status of Markel American Insurance Company, and is not a recommendation of the specific policy provisions, rates or practices of the issuing insurance company.
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